Retirement Calculator for Corpus Planning
A retirement calculator helps you estimate how much money you may need to maintain your lifestyle after you stop working. Retirement planning should account for current monthly expenses, inflation, years left to retirement and expected investment returns. This calculator projects your future monthly expense, estimates a target corpus using a simplified withdrawal rule and calculates the monthly investment needed to reach that corpus. It is useful for early-stage planning because it makes the retirement goal concrete and measurable. Real retirement planning should also consider taxes, health costs, asset allocation, emergency reserves, pension income and market risk, so review the result periodically as your income and lifestyle change.
Retirement Calculator FAQs
What is the 4% rule?
It is a simplified rule that estimates corpus as annual retirement expenses divided by 4%.
Should I include rent and healthcare?
Yes. Retirement expenses should include recurring lifestyle, healthcare and housing costs.
Can returns change over time?
Yes. Actual returns depend on asset allocation and market conditions.